Indian Bank Credit Card

Indian bank is a top performing bank in India. It was established in 1907 and is having head quarter at Chennai.

This bank has a wide network and large number of customers. It has more than 100 million customers. More than 24 thousand employees are working in around 6,0,89 bank branches.

Indian Bank offers mainly four different credit cards. The popular credit cards of Indian Bank are Indian Bank Bharat Credit Card, Indian Bank Gold Credit Card, Indian Bank Classic Credit Card, Indian Bank Platinum Card, Indian Bank Visa Business Credit card, etc.

The main features which make Indian Bank Credit Card from others are its low Finance Charge i.e. 1.79 % pm and its high credit limit of INR 1 Lakh or more. Insurance coverage of INR 5 Lakh is another attraction of Indian Bank Credit card.

Day to day handling of Indian Bank credit card is quite customer centric. Bank makes available a convenient way for a new application, status of the application, checking statement, or redemption; all the essential requirements are available online. Indian Bank credit cards are highly attractive for the corporate world as well as common people.

Indian Bank credit card statement is available as e statement. E statement is accessible through online banking. Redemption of the earned reward points requires simple steps. You can redeem by giving the details of redemption and submitting it online or offline. One redemption form is also available online.

For any of your question, Indian Bank provides 24x 7 solutions. You can contact the toll free numbers.

Our research team has collected all the special vital information related to the Indian Bank credit card and shared for the benefits to the peoples; reading time is 5-6 minutes.

Choose your Indian Bank Credit Card

Let us talk about popular credit card offered by Indian Bank. Indian Bank offers mainly four different credit cards. The popular credit cards of Indian Bank are Indian Bank Bharat Credit Card, Indian Bank Gold Credit Card, Indian Bank Classic Credit Card, Indian Bank Platinum Card, Indian Bank Visa Business Credit card, etc.

The main features which make Indian Bank Credit Card special from others are its low Finance Charge i.e. 1.79 % pm and its high credit limit of INR 1 Lakh or more. Insurance coverage of INR 5 Lakh is another attraction of Indian Bank Credit card. Unparallel number of offers under special discount scheme is appreciated by the customers of Indian Bank Credit card.

Indian Bank credit cards are leaning to the precise feature. Indian Bank credit cards grant many benefits to the customers such as cash back, rewards points, travel rewards, Premier privileges, Insurance coverage etc.

Indian Bank Bharat Credit Card

Indian Bank Bharat Credit Card is known for various benefits at no cost. Indian Bank Bharat Credit Card has no joining or yearly renewable charges. Apart from reward points, cash advance, etc. Insurance coverage feature of Indian Bank Bharat Credit Card is quite appreciable. Purchase protection of Indian Bank Bharat Credit Card is also one of the appealing features. Let us summaries the important features of Indian Bank Bharat Credit Card.

Rewards and cash back – On every expense of INR 100 by using Indian Bank Bharat Credit Card, there is provision of cash back or reward point equal to INR 0.50, thus if on and average monthly expense of INR 10000, there is saving of INR 50. However, one can redeem the cash or credit point of minimum equal to INR 500.
Cash Advance – Indian Bank Bharat Credit Card allow the customer for cash advance up to 25 % of the credit limit of the card. Cash Advance can be withdrawn from any Indian bank ATM or at around 5,500 VISA ATM in India.
45 days interest free credit – Indian Bank Bharat Credit Card has provision to pay the credit card bills up to 45 days of the date of purchase without any interest.
Low interest – One of the lowest interest credit cards is Indian Bank Bharat Credit Card. It charges only 1.79 % per month rate of interest after the free credit period i.e. outstanding amount of money.
Purchase protection – Indian Bank Bharat Credit Card provides fraudulent protection of INR 10,000 to the card holders. Customers have to inform the mischief to the bank and demand for the refund.
Medical coverage – Indian Bank Bharat Credit Card holders have privilege of putting claim up to INR 50,000 of hospitalization bills of any accident treatment. This medical coverage is continued up to 65 years of the age of the credit card holder.
Life coverage – Relief of INR 1, 00000 to the kin of the card holder is provided by Indian bank due to the death during air travel. The Indian Bank Bharat Credit Card has provision of coverage of INR 50,000 if there is death in road accident or any other accident.
Very low income requirement for issue the card- Indian Bank Bharat Credit Card has very less Income requirement for getting a card issued. The income requirement of the credit card applicant is only INR 5000 per month or the INR 60000 yearly only.
Age criterion – All Indian citizen of age group from 25 years to 60 years are eligible to apply for the Indian Bank Bharat Credit Card.
Free credit card – Indian Bank Bharat Credit Card is a free credit card. Hence, a customer has not to worry about entry fees or yearly renewal fees.

Indian Bank Global Gold Credit Card

Indian Bank Global Gold Credit Card is internationally accepted credit card having very high credit limit. Credit limit of Indian Bank Global Gold Credit Card has credit limit varying from INR 75,001 to INR 3, 00000. Low finance charges on outstanding amount are another point of interest of the card holders. Let us discuss the different features of Indian Bank Global Gold Credit Card.

High Credit limit card – Global Gold Credit Card grant s option to have a high credit card. One can have a credit limit up to INR 3 lakh. However, credit limit is linked with the yearly or monthly minimum salary earning of the customer.
Small interest rate – One of the lowly interest credit cards is Indian Bank Global Gold Credit Card. After interest free period, bank charges only 1.99 % per month rate of interest on the outstanding amount of money.
Withdraw cash in case you need – Indian Bank Global Gold Credit Card permits the customer for cash advance up to 40 % of the credit limit of the card. In one single day one can withdraw an amount of INR 25,000/- . Cash money can be withdrawn in any Indian bank ATM or at around 5,500 VISA ATM in India.
Rewards points – Customers are eligible for cash back or reward point equal to INR 0.50 on every expense of INR 100 by using Indian Bank global Gold Credit Card. One can redeem the cash or credit point of minimum equal to INR 500.
Interest free credit period – Indian Bank Global Gold Credit Card has provision to pay the credit card bills up to 45 days of the date of purchase without paying any interest.
Fraudulent protection – Indian Bank Global Gold Credit Card covers the money from any fraudulent or other mischief. Customers have to inform the trouble to the bank and claimed for the refund.
Accidental Treatment coverage – Indian Bank Global Gold Credit Card holders are entitled to claim INR 1 Lakh as hospitalization bills up to the age of 65 years. However, claim becomes INR 50,000 from the age 66 to 80 year.
Life coverage – Assistance of INR 5 to the relatives of the card holder is provided by Indian bank due to the death during air travel. The Indian Bank Global Gold Credit Card has provision of coverage of INR 2 Lakh, if there is death in road accident or any other accident.
Facility of add on card – Add on card for family member is provided with the Indian Bank Global Gold Credit Card. All the facility available the first card holder is available with add on card. Life coverage of first add on card is there but the coverage money is INR 1 Lakh instead of INR 5 or INR 2 Lakh.
Minimum income requirement – Indian Bank Global Gold Credit Card has reasonable Income requirement for getting a card issued. The income requirement of the credit card applicant is only INR 12,500 per month.
Age criterion – 18 to 89 years is the age range of the applicant of Indian Bank Global Gold Credit Card. All Indian residents and NRI’s are eligible to apply for an Indian Bank Global Gold Credit Card.
No charges credit card – Indian Bank Global Gold Credit Card require no entry charges. It is a free credit card. It does not require any yearly renewal fees too.

Indian Bank Classic Credit Card

Indian Bank Classic Credit Card is a popular domestic card. It has many beneficial features; a few remarkable one are life time free card, reasonably good cash back offer, cash withdraw up to 40 % of the credit limit, medical facility, life coverage, and many more.

Card holding requirements are not tough – minimum income of INR 12,500 per month and flexible age group eligibility from 18 years to 80 years are worth to mention. One of the main social security of this credit card is medical coverage at the age up to 80 years.

It is important to note that rarely banks in India allow the customers up to the age of 80 years to avail credit card first holder facility, thus it is not wrong in quoting that the Indian Bank is quite society welfare centric

Life time free card – Indian Bank Classic Credit Card is a life time free credit card. It does not require any entry or yearly renewal fees.
New card income requirement – Indian Bank Classic Credit Card has not a high Income requirement for getting a new card issued. The income requirement of the credit card applicant is only INR 12,500 per month.
Four add on card allowed– Add on cards for family members are available up to maximum four with the Indian Bank Classic Credit Card. All the facility available the first card holder is available with supplementary card.
Cash Rewards points – Customers are eligible for cash back or reward point equal to INR 0.50 on every expense of INR 100 by using Indian Bank Classic Credit Card. One can redeem the cash or credit point of minimum equal to INR 500.
Fuel surcharge relaxation- 2.5 % relaxation in fuel purchase is available with the Indian Bank Classic Credit Card.
Baggage coverage – Air flight lost baggage or over weight baggage charges is covered under Indian Bank Classic Credit Card. An amount of INR 5000 is provided by Indian bank.
Credit limit card – Indian Bank Classic Credit Card have option to make the credit limit from INR 25, 000 to INR 75, 000. Customers have the option to reduce the credit online. However, to increase the credit limit is one has to produce documents related to increased income.
Interest free credit period – Indian Bank Classic Credit Card has condition to pay the credit card bills from 15 days to 45 days from the date of purchase without paying any interest.
Small interest rate – If a person crosses the free limit of free credit of 45 days, then he or she has to pay an interest comparatively lower than any other bank. Indian Bank Classic Credit Card customers have to pay only 1.99 % per month rate of interest on the outstanding amount of money.
Cash available in case of emergency need – Indian Bank Classic Credit Card permits the customer for cash advance up to 40 % of the credit limit of the card. In one single day one can take out a maximum amount of INR 25,000/- . facility of Cash money withdrawal is available in any Indian bank ATM or at around 5,500 VISA ATM in India.
Theft protection – Indian Bank Classic Credit Card covers the money from any fraudulent or other mischief. An amount of INR 10,000 is covered under theft protection. Customers have to inform the theft or fraudulent to the bank and claimed for the refund.
Accidental Medical coverage – Indian Bank Classic Credit Card holders are permitted do treatment claim up to INR 50 thousand as hospitalization bills up to the age of 65 years. However, claim becomes INR 25,000 from the age 66 to 80 year.
Life coverage – Support of INR 2 to the family of the card holder is available by Indian bank due to the death during air travel. The Indian Bank Classic Credit Card has provision of coverage of INR 1 Lakh, if there is death in road accident or any other accident.
Age criterion – 18 to 80 years is the age range of the applicant of Indian Bank Classic Credit Card. All Indian residents and NRI’s are eligible to apply for an Indian Bank Classic Credit Card.

Indian Bank Platinum Credit Card

Indian Bank Platinum Credit Card is an internationally accepted credit card available from Indian Bank at zero charges. Customer has not to pay any entry or renewal fees. This credit card is more popular among the masses due to high credit limit i.e. INR 1 Lakh and more.

Indian Bank Platinum Credit Card is also known for its low interest range i.e. 1.66 % pm after the free credit period of 45 days.

This credit card is having baggage coverage, fraudulent coverage, accident medical coverage, life coverage, and many more essential benefits require to all of us in our day to day living.

Life time free card benefits, reasonably good cash back offer, cash withdraw up to 40 % of the credit limit, etc. are also attracts the people.

Not a tough minimum income requirement and flexible age group eligibility from 18 years to 80 years are helpful to all the income and age group customers.

Our research group has collected and discussed the key features of Indian Bank Platinum Credit Card such that it would be easier to the aspirant of Indian Bank credit card to make his or her mind.

Life time free card – Indian Bank Platinum Credit Card does not require any fees, it is life time free credit card. It does not need any admission or yearly renewal fees.
Internationally accepted credit card – Customer can use the Indian Bank Platinum Credit Card in International travel or ATM.
1 Rewards point @ INR 200 – Customers are eligible for cash back or reward point equal to INR 1.0 on every expense of INR 200 by using Indian Bank Platinum Credit Card. One can redeem the cash or credit point of minimum equal to 500 credit points.
Fuel surcharge relaxation- Indian Bank Platinum Credit Card holder has privilege of relaxation of 2.5 % in fuel purchase at any of the out let.
Air Travel Baggage coverage – It is a common problem that little additional weight during international travel require an additional payment. Air flight lost baggage or over weight baggage charges is covered under Indian Bank Platinum Credit Card. An amount of INR 10,000 is available under this category by this credit card.
Applicant income requirement – Indian Bank Platinum Credit Card has a low Income requirement in comparison of its available services or coverage. The income requirement of the Indian Bank Platinum Credit Card is only INR 12,500 per month.
Add on card allowed– Four number of add on cards for family members are available with the Indian Bank Platinum Credit Card.
All the facility available the first card holder is available with supplementary card. Little reduced medical coverage is available to add on card holder i.e. INR 50,000 while it is INR 1 Lakh for the first credit card holder.
Credit limit card – Indian Bank Platinum Credit Card have option to make the credit limit up to INR 75, 000. Customers have the option to change the credit limit online. However, to increase the credit limit one has to produce documents related to enhanced income.
Free credit period – Indian Bank Platinum Credit Card has condition to pay the credit card bills for maximum 45 days from the date of purchase without paying any interest.
Interest rate @ 1.66 % – After the free credit limit days i.e. 45 days, customer has to pay interest rate of 1.66 % of the outstanding amount. This interest rate is one of the lowest among the similar category credit cards offered by various banks.
Cash available from ATM – Indian Bank Platinum Credit Card allows the customer for cash advance up to 40 % of the credit limit of the card. In one single day admissible money to take out is maximum of INR 25,000/- . Facility of Cash money withdrawal is available in any Indian bank ATM or at all VISA ATM in India and outside country.
Mischief protection – Indian Bank Platinum Credit Card protect the money from any fraudulent or other mischief. An amount of INR 25,000 is covered under fraudulent protection. Customers have to inform the theft or fraudulent to the bank and claimed for the refund.
Accidental Medical coverage – Indian Bank Platinum Credit Card holders are permitted to claim up to INR 1 Lakh as hospitalization bills up to the age of 65 years. However, claim becomes INR 50,000 from the age 66 to 80 year.
Life coverage – Support of INR 2 to the family of the card holder is available by Indian bank due to the death during air travel. Indian Bank Platinum Credit Card has provision of coverage of INR 1 Lakh, if there is death in road accident or any other accident.
Age criterion – Indian Bank Platinum Credit Card allow the applicant having age between18 to 80 years to apply for the Indian Bank Platinum Credit Card. All Indian citizens and Non Resident Indians are eligible to apply for an Indian Bank Platinum Credit Card.

Indian Bank Visa Business Credit Card

Indian Bank Visa Business Credit Card is popular among the corporate houses. This credit card is helpful to avail the facility of bank transaction related to travel, payment for repairing, operations, maintenance and many more work related to any corporation.

Indian Bank Visa Business Credit Card is allowed to issue in the name of a company and there is provision of issue of 5 card per unit such that 5 different executive of the company can use the credit card.

Indian Bank Visa Business Credit Card issued free of cost, it means there is no entry or renewable fees. Cash advance of 20% of the credit limit is allowed. The 1.99 % pm credit revolving facility is also available with the Indian Bank Visa Business Credit Card.

Let us summaries the different features of Indian Bank Visa Business Credit Card.

Credit limit up to INR 3 Lakh – Indian Bank Visa Business Credit Card become quite useful for corporate people due to its high credit limit up to INR 3 Lakh. However, Branch Manager has all the discretion to decide about the credit limit based on financial standing of a company.
Credit revolving rate @ 1.99 % – Indian Bank Visa Business Credit Card offers low credit revolving rate. After interest free period i.e. 45 days , bank charges only 1.99 % per month rate of interest on the outstanding amount of money.
Cash advance @ 20 % – Indian Bank Visa Business Credit Card allows the company for cash advance up to 20 % of the credit limit of the card. However, cash advance are charged an interest at the rate of 2.25 % per month. Cash money can be withdrawn in any Indian bank ATM or at around 5,500 VISA ATM in India.
Global acceptance – Indian Bank Visa Business Credit Card is globally accepted by 30 million merchant worldwide including 1.5 Lakh merchant of India.
Interest free credit period – Indian Bank Visa Business Credit Card has provision to pay the credit card bills up to 45 days of the date of expenditure without paying any interest.
Fraudulent protection – Indian Bank Visa Business Credit Card has the provision from protection of fraud or theft. It covers the entire amount of fraudulent. Companies have to inform the mischief to the bank and claimed for the refund.
Accidental Medical coverage – Indian Bank Visa Business Credit Card first holder is entitled to claim INR 1 Lakh as hospitalization bills.
Life coverage – Assistance of INR 5 is provided by the Indian Bank Visa Business Credit Card due to the death during air travel. The Indian Bank Visa Business Credit Card has provision of coverage of INR 2 Lakh, if there is death in road accident or any other accident.
Minimum requirement of a company- Indian Bank Visa Business Credit Card is available to those companies who is a limited company or sole proprietary company or partnership company. Company having current account and have a reputed track record can only eligible for the Indian Bank Visa Business Credit Card.
Free credit card – Indian Bank Visa Business Credit Card require no entry charges. It is a free credit card. It does not require any yearly renewal fees too.

Indian Bank Credit Card Eligibility

Indian Bank offers various cards for the general masses as well as suitable for Industry. Hence, the eligibility also varies. The eligibility criterions for the general customers are more or less same but companies require producing the track record as well as company registration certificate. Let us summarize the eligibility criterion-

The age requirement of applicant should be between 18 to 80 years. However, for Indian Bank Bharat Credit Card the age requirement is from 25 years to 60 years.
Minimum annual income for salaried or self earning class is from INR 5 thousand per month to INR 13,500 per month.
Present address of residence proof, Identity proof, salary slips, income tax returns, etc. are documents required at the time of application.
For Indian Bank Visa Business Credit card audit report of company with good financial standing is mandatory.

Free Indian Bank Credit Card

Let us take a note on the free credit card offered by Indian Bank.

Indian Bank Visa Business Credit Card is a free credit card and is popular among the corporate houses. This credit card is helpful to avail the facility of bank transaction related to travel, payment for repairing, operations, maintenance and many more work related to any corporation.

Indian Bank Credit Card Apply Minimum Salary

The minimum salary requirement is INR 5000 per month or INR 60 thousand per year for Indian Bank Bharat Credit card. However, most of the credit card requires INR 13, 500 per month income.

Indian Bank Credit Card Apply

Indian Bank Credit Card needs an existing customer requirement. The application for a new credit card from Indian bank requires you to use your online banking facility. However, you can always apply for a credit card by visiting the nearest branch of the bank. Indian bank credit card application process is simple, does not require long form filling formalities. Once you will select a suitable credit card of Indian bank, you can take help of our above mentioned details of various credit card, then you can apply online or offline.

Online application is easy and more popular.

Online application require the following steps –

Go to the Indian Bank online banking web page. Log in your account after providing credentials. Go to the credit card option present in left column of the home screen.

In credit card section, you will get option to apply for a new credit card. From there you can select the credit card of your choice and apply for a new credit card.
Once you will apply online, bank executive will contact you and complete the paper work.
You can apply offline by contacting the Indian bank branch Manager. You have to fill the application form and you have to provide documents related to your income, photographs etc.

Indian Bank Credit Card Status

Status of application for Indian Bank credit card can be known by the help of customer services. Indian Bank credit card application status can be known by downloading the Indian bank app.

The 24x 7 Toll free number of Indian Bank customer care are 1800 425 00 000 / 1800 425 4422 .

You must possess the acknowledgement number of your submitted application with you at the time of call.

Status of credit card application can be known by visiting the local branch of Indian Bank also.

Indian Bank Credit Card Login

Once you will receive your Indian Bank credit card, immediate work is to access and monitor the credit card transaction online. Online login process requires creating your login ID and login password.

Indian Bank provides an exclusive credit card user portal to access the credit card.

You have to click on first time user link. First time user link will demand a few credential related to the new credit card received by you. You have to provide credit card number, expiry date, your registered phone number and e mail ID.

Once you will provide the above information and click to proceed then an OTP will go to your mobile number as well as your e-mail. With the help of that you can set the password, however, login ID will be received in your mobile.

Indian Bank Credit Card PIN Generates and Reset

Indian Bank credit card PIN generates and reset process need to take help of online credit card portal mentioned in above column. You can reset the PIN after login the online account. However, to generate a PIN you have to choose the option of forget password.

Forget password option will demand your online login ID. If you do not have the login ID in mind then first you have to generate the login ID by selecting the option ‘Forget login ID’.

Your registered phone or mobile should be in ready mode to note down the SMS.

Indian Bank Credit Card Statement

Indian Bank credit card statement can be downloaded from online banking portal or can be access in Indian Bank app. It is available as e statement. After log in to the internet banking you have to go to e- statement option. There you have to select your credit card number and set the period of bills and then download as pdf.

You can register yourself for regular e mail of every bill at completion of cycle from online banking portal.

Indian Bank EMI Calculator

There is instant Indian Bank EMI calculator is available. You have to only enter the loan amount and duration of payment, it calculate and let you know how much you have to pay per month.

Indian Bank Credit Card Payment

Indian Bank provides various way to pay the credit card bills. You can pay it through online banking or you can transfer the bill amount by ATM. You have the option to pay the amount through cheque by using a drop box available in Indian Bank ATM. You can also pay the bills by using Indian Bank mobile app. The most preferred method of credit card payment is online banking.

Payment through online banking requires logging in first. Go to the payment of bills section. Select the credit card number and amount you want to pay. When you will proceed for payment it will authenticate through OTP and finally the payment process is completed.

Indian Bank Credit Card App

India Bank credit card app is available at Google Play. Android based mobile phones are supportive to this application. You can download it on your smart phone and enjoy the banking in your finger tips. This app is having many facility such as viewing and

Paying the bills, knowing the earned credit points, redeem the credit points, etc.

Indian Bank Credit Card Offer

Indian bank credit cards have many exciting offer from big brand companies. Most of the offers are available for a certain time limit, but many others remain open always.

At present there are more than 75 offers available with Indian bank credit card.

Hyatt Hotel discount of 20 % – All the hotels under Hyatt gives an offer of 20 % of the stay.
Faire Leather – Faire leather is a popular brand in the world of bag and trolley. Faire leather gives 10 % discount on its product to the Indian bank credit card having Visa category.
Ganna Plus subscription free – Indian bank credit cards holders are eligible to get free subscription of Ganna plus dot com for three months.
One stop mart – Grocery of one stop mart offers a discount of 10 % to the customers of Indian bank credit cards.
Gasjeans – Cloths from Gasjeans are available on flat discount of INR 500.
Portea – For working people the meal expert brand Portea provides the meal at a reduced price equal to 10 % of the bills.
My paper clip – My paper clip – a brand in stationary items grants a discount of 20 %
Dega optical – Optical is a part of an essential item in our life, a popular brand Dega Optical grant a discount of 10 % of the optical requirements.

Indian Bank Virtual Credit Card

Virtual Credit Cards are highly secured as they are linked to your account and already charged from there. There is a daily limit of a Virtual Credit card; hence seller cannot charge more than their committed price from your credit card. Money remaining on your virtual card expires at the end of the day; you have to do a scheduling if you wish to use the card in next day.

You can contact your local Indian Bank branch to have a facility of Virtual credit card in your existing credit card or to get issued a new one.

Redeem Indian Bank Credit Card Point

Indian Bank credit card earned credit points can be redeemed by purchasing the items of various brand. More than 70 companies’ items are available to redeem the earned credit points.

Redemption of the earned reward points is available online, however, for each brand you have to proceed with companies provided link and coupon code.

The details of different redeem option is available on the home web page of credit card of Indian Bank, you can visit there and select your choice for your redeem of earned credit points.

Indian Bank Cash Withdrawal Charges

Indian Bank credit cards have a cash withdrawal charges. In most of the credit card 30 % of the credit limit money is available for cash withdrawal. You can withdraw it from any nearest ATM. The cash withdrawal charge is 2.25 % per month.

Indian Bank Credit Card Address Change

Your registered home address in Indian bank credit card is very important as the bank sends any postal communication or the up graded credit card in your home address. Hence, to keep the home address updated in your credit card is quite essential.

To change the home address of your credit card you have to visit the Indian Bank branch. You will have to submit the proof of your new home address and you have to fill and submit the KYC to your branch with a request to update your home address. In this way new home address can be updated.

Indian Bank Credit Card Loan Convert

Indian bank credit card grants facility for a loan equivalent to the amount of credit limit of the card. This loan can be converted into EMI. This can be done by visiting the online banking of the Indian Bank credit card portal. Just near the facility known as ‘pay the bills’, you will get the option to convert the loan amount into EMI. You can easily convert the loan into EMI there in the online banking portal

Close Indian Bank Credit Card

Indian Bank credit card closure process may be initiated online or offline. However, before closure process it is worthwhile to do a few compulsory checks.

Proper closure of Indian Bank credit card process is an important issue. If the closure of Indian Bank credit card is not been processed properly then there is chances of loss in SBIL points and one can have problem latter on and may miss important financial sanction by bank at the time of need.

It is essential to complete a few of essential criterion fixed by Indian Bank before moving towards the closure application of credit card.

There must not any outstanding amount against the credit card. All should be cleared. You have to check the zero outstanding amounts in the name of Indian Bank credit card. You can check it by simply logging in the credit card online system and check it out.
In case there is any amount then immediately you have to pay and make the way clear for closure.
If there is any attached ongoing loan then obviously, Bank will not process your closure application. You have to pay the complete loan amount with pre-closure of loan charges. Every sanctioned loan has a already determined number of EMI, if you are paying it in advance then bank will charge a lump sum amount as the pre-closure charges.

Once you will check the above mentioned points, you can go to the online banking. Go to the mail section and mail a letter mentioning you want to close the HSBC credit card permanently. You can also initiate the closure process by contacting on customer service number or by visiting the bank branch closure process can be performed.

Indian Bank Credit Card Complain

If there is any issue related to your credit card, you can lodge an online complaint to the Indian Bank. You have to provide last four digit of your credit card, registered e-mail ID, registered phone number, nature of complaint, details of complain in 200 words and then you could submit it. This page is available on home page of the credit card of Indian Bank. You have to click under Complaint section then credit card option.

Once you will proceed and submit the form, you will get an acknowledgment number useful for further process if problem will still continue.

On the same page there is provision to know the status of already lodged complain.

For any fraudulent transaction you can immediately block your credit card by sending SMS to BLOCK to 092310 00001 or 092895 92895.

If the grievance still persists after lodging online complaint then you can write to the concerning officers on following address-

Indian Bank Corporate Office, PB No: 5555, 254-260, Avvai Shanmugam Salai, Royapettah, Chennai – 600 014 Phone Number – 044-28134300

Indian Bank Customer Care Toll Free Numbers

Following toll free numbers are there to contact for any problem related to credit card- 1800 4250 0000 (Toll free National Number), 1800 425 4422 (Toll free National number).

You can call to credit card centre if the problem persists- 044-2522 0903

There is IVR facility also; you can dial on the following number- 1800 425 00000 (Customer helpline Services)

Indian Bank also provide E-mail facility to send the grievance or general query- [email protected] , [email protected]

Apply Now for Indian Bank Bharat Credit Card

Indian Bank Credit Card Pros and Cons

Pros	Cons
India Bank is perhaps one of a unique kind of Bank which provides all its credit card free, no entry or annual fees.	We do not find any as such any problem related to Indian bank Credit card . It is available online as well as offline.
India Bank Visa Business Credit card is unique in country for your company related work such as maintenance, etc. This card is also unique because five officers of the company can operate the card under same account number.	However, Indian Bank url home page requires modification, as it is not user friendly. Especially for credit card users it is difficult to search redeem the credit card or to know the complete details of a particular credit card.
India Bank credit cards are accepted internationally, you can draw cash in the country or abroad by using approximately 15000 ATM.	Failure of payment of bills in prescribed interval of time attracts high interest rate.
Indian Bank offers one of the lowest credit revolve facility at the rate of 1.66 % per month.
Indian Bank credit card offers conversion into EMI or easy process of loan against the credit limit of the card.

Conclusions

Indian Bank credit card has a few features which make these credit cards unique in nature. One of the uniqueness is its low credit revolving rate of interest. 1.66 % per month is un-parallel in the field of credit card.

All the credit cards offered by Indian bank are free of any entry or renewable charges. This feature also makes the Indian bank credit card to attract the customers in large number.

Indian bank Visa Business credit card is having a feature which no other bank credit card offers. High cash withdrawal and high credit limit up to INR 5 Lakhs makes this credit card ahead in credit card market. 5 users at a time of a company facility also make this credit card unique.

High life coverage and coverage of accidental medical treatment benefits up to the age of 80 years makes the Indian Bank credit card unique.

Indian Bank Credit Card FAQs

Q1. Do the customers of Allahabad Bank have to apply or activate its credit card to avail the facility of Indian bank?

Ans- No, after the amalgamation of Indian Bank and Allahabad Bank, customers of both the bank can avail facility of available from both the side. No need to reactivate or worry.

Q2. How long it takes to issue a new Indian bank credit card?

Ans– Once you submit an application, then it will be scrutinized by bank official. Your SIBIL score checking is also a task for officials. Based on all usually issue of a new credit card requires 7 working days time interval.

Q3- What is the income requirement to have an Indian Bank credit card?

Ans– Indian bank minimum Income requirement is INR 5000 per month i.e. for Indian Bank Bharat Credit Card, while most of the other credit card of Indian Bank requires income of INT 17,500 per month.

Q4. How long my Indian Bank credit card reward points remain valid?

Ans- Reward points are your earned credit on account of your expenses through Indian Bank credit card. But since it is again related to the redemption on purchase of items offered by various companies, hence validity for infinite time raises technical problem. Indian bank bank usually grant three years period under which you have to redeem your earned reward points. Minimum 500 credit points you can redeem at a time.

Q5. How many supplementary add on cards are allowed by Indian bank?

Ans- Usually maximum three add on credit cards are allowed for the use of your family members. In the case of Indian bank Visa Business credit card this number is five. All the facility available for first credit card owner is available to others except life coverage and there is different amount of money for accident medical coverage for add on card holder.